Does auto insurance cover riot damage?
Your auto insurance does cover riot damage if you invest in comprehensive insurance. Comprehensive auto insurance quotes that cover riot damage costs $12 per month or $148.04 annually on average. To buy auto insurance that covers riot damage at an affordable rate, you should compare comprehensive quotes from multiple companies.
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UPDATED: Dec 7, 2021
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- Your auto insurance does cover riot damage if you invest in comprehensive coverage
- Liability insurance and collision insurance do not protect you against riot damage
- Comprehensive insurance costs vary depending on where you live and other factors, but could be as low as $12 per month
Does auto insurance cover riot damage? Fortunately, your auto insurance does cover riot damage as long as you invest in certain auto insurance coverages.
Specifically, you need comprehensive insurance, a coverage typically not required by regional laws but offered in all 50 states.
Below, learn how much comprehensive insurance costs, how to file a claim for riot damage, and find the best auto insurance coverage for your needs.
After reading about affordable auto insurance that covers riot damage, remember to enter your ZIP code into our free rate tool above to compare quotes from the best companies near you.
Does auto insurance cover riot damage?
A common question drivers ask is, does insurance pay for riot damage? It depends on the details of your auto insurance policy and the types of coverages you invest in.
Technically, only comprehensive insurance covers riot damage. Plus, it protects your parked car from acts of nature, vandalism, fires, flooding, and auto theft.
Comprehensive insurance costs around $12 per month or $148.04 annually in many states. There’s also an auto insurance deductible associated with this coverage, usually $500 to $1,000.
Unlike liability auto insurance, which pays for damage to another driver if you cause an accident, comprehensive coverage is not mandated by state laws.
But if you lease or finance your vehicle, you may be required to purchase it as part of your loan agreement.
If you use a vehicle for business purposes, your company likely has a commercial insurance policy. Commercial auto insurance protects employees on the road if they drive business-owned cars.
But is looting covered by commercial insurance? Fortunately, you can typically add comprehensive coverage to a commercial policy to protect against riots and looting.
Technically, there is no single agreed-upon riot insurance definition, but a handful of options are available beyond auto insurance that may protect you.
For example, some homeowner policies cover riot damage, and there’s also strike, riot, and civil commotion property damage insurance.
Ultimately, to find the best auto insurance company that covers riot damage for you, compare comprehensive quotes online from multiple companies.
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How much does auto insurance that covers riot damage cost?
Nationally, comprehensive auto insurance rates that cover riot damage cost $12 per month or $148.04 annually on average. Standard auto policies typically include coverage for “civil disorders.”
However, your ZIP code, age, driving record, and coverage requirements can drastically impact the cost of your auto insurance policy.
So in the table below, compare the average annual comprehensive auto insurance rates by the state.
|State||Average Annual Comprehensive Auto Insurance Rates|
|District of Columbia||$233.24|
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As you now know, comprehensive insurance, also known as parked car coverage, protects your vehicle against more than just riot damage.
It also covers auto theft and weather-related damage. So if you live in a region with higher than average auto theft rates or with severe weather patterns, your comprehensive auto insurance rates may be slightly higher than the national average.
The make and model of your vehicle may also impact your comprehensive insurance rates as thieves are attracted to some cars more often than others.
To save money on comprehensive coverage, you can increase your deductible amount.
But according to the Insurance Information Institute (III), the average comprehensive insurance loss in 2020 was $1,995.
So be careful not to set your deductible too high to the point where you can’t afford to pay it.
How do you file an auto insurance claim for riot damage?
Filing a claim for riot damage is simple and similar to any other insurance claim.
First, ensure it’s worth filing a claim in the first place. If the damage from the riot costs less than (or close to) your deductible, it’s not worth filing the claim. Always look at how much you can expect to get paid.
Next, take pictures of the scene and damage to your car when it’s safe. Speak to eyewitnesses if possible and take down their names and contact information. Also, file a police report and maintain a copy.
Finally, reach out to your insurance company as soon as possible to file a claim through your comprehensive coverage.
A claims adjustor will contact you and assess the damage. Your insurance company usually makes the payment directly to the auto body shop, minus your deductible amount.
Hold onto any documents or receipts related to the repairs just in case at least until your claim is settled and paid.
Some companies may increase your rates after filing a claim. Some policies offer protections like accident forgiveness for your first ticket or claim. If they do offer you an exception, keep in mind it may not transfer between companies if you decide to switch to a new insurance brand.
Does auto insurance cover riot damage? The Bottom Line
Auto insurance does cover riot damage, but only if you have comprehensive insurance. A basic liability-only policy does not cover this situation.
Fortunately, you should have no problem securing affordable auto insurance quotes that cover riot damage.
Comprehensive insurance is a standard form of coverage offered by all major auto insurance companies.
Now that you know how to buy auto insurance that covers riot damage, compare quotes from the best companies near you by entering your ZIP code into our free rate tool below.